Local Development
B
Quaker Oats Employees Credit Union
Rating Date
March 2024
Net Capital
Ratio
14.75
Leverage
Ratio
15.10
Return On
Assets
1.40%
Total
Assets
12.16M
Capital
1.79M
Total
Deposits
10.25M
Net
Income
174.00K
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Weiss Ratings
Quaker Oats Employees Credit Union
Cedar Rapids, IA
Low
Quaker Oats Employees Credit Union
Industry Average
High
Asset Quality Index
9.90
0.00
10.00
Capitalization Index
10.00
0.00
10.00
Liquidity Index
6.20
0.20
9.60
Profitability Index
7.20
0.00
10.00
Stability Index
6.30
0.00
10.00
Asset Quality
Quaker Oats Employees Credit Union
Cedar Rapids, IA
Low
Quaker Oats Employees Credit Union
Industry Average
High
1-Year Asset Growth
1.11%
< 0.00%
> 10.00%
5-Year Asset Growth
4.71%
< 0.00%
> 20.00%
5-Year Charge-Offs to Average Loans
0.09%
< 0.00%
> 10.00%
Charge-Offs to Average Loans
0.50%
< 0.00%
> 10.00%
Non-Performing Assets to Assets
0.15%
0.00%
> 10.00%
Non-Performing Loans to Capital
0.97%
0.00%
> 20.00%
Non-Performing Loans to Loans
0.30%
0.00%
> 10.00%
Balance Sheet
Quaker Oats Employees Credit Union
Cedar Rapids, IA
Low
Quaker Oats Employees Credit Union
Industry Average
High
Total Assets
12.16M
< 12.16M
> 972.87M
Total Deposits
10.25M
< 10.25M
> 811.53M
Capital and Reserves
Quaker Oats Employees Credit Union
Cedar Rapids, IA
Low
Quaker Oats Employees Credit Union
Industry Average
High
Capital
1.79M
< 1.79M
> 88.77M
Leverage Ratio
15.10
0.06
> 30.00
Loan Loss Reserves to Loans
1.15%
0.00%
> 10.00%
Risk-Based Capital Ratio
14.75
< 0.00
> 30.00
Liquidity
Quaker Oats Employees Credit Union
Cedar Rapids, IA
Low
Quaker Oats Employees Credit Union
Industry Average
High
Hot Money Ratio
0.00%
0.00%
> 20.00%
Liquidity Ratio
53.70%
< 10.00%
> 60.00%
Profitability
Quaker Oats Employees Credit Union
Cedar Rapids, IA
Low
Quaker Oats Employees Credit Union
Industry Average
High
5-Year Return on Average Assets
0.56%
< 0.00%
> 10.00%
Net Income
174.00K
< 174.00K
> 6.55M
Net Interest Spread
6.19%
< 0.00%
> 10.00%
Operating Profit to Average Assets
1.57%
< 0.00%
> 10.00%
Overhead Efficiency Ratio
72.97%
< 40.00%
> 170.00%
Return on Assets
1.40%
< 0.00%
> 10.00%
Return on Equity
10.12%
< 0.00%
> 20.00%
Weiss Ratings